What happens to my Bill Payment if there are non-sufficient funds (NSF)?

Payments that are sent electronically will be deducted from your account on the send date. You will know a payment is being sent electronically when it has the small lightning bolt symbol next to the payee name. If there are not sufficient funds available in your account or designated source of overdraft protection, the payment will fail and you will be charged an NSF fee in accordance to our schedule of fees.

Payments that are sent by check will be processed (mailed) on the Payment send date. Because the mailing time for paper checks varies, it is recommended to have the appropriate funds available in your account on the send date. Funds will be pulled from the account when the payee cashes the check. Bill Payment checks follow the same NSF processes as normal checks.